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... summer period. • &# 160Motor Vehicle Exclusion ISO responded to agents concerns about the language used in the Homeowners 2000 policy. In both Section I – Property Not Covered and Section II – Liability Exclusions, the coverage did not extend to a motor vehicle unless used solely to service an "insured's" premises. There were concerns that a motor vehicle (such as a riding lawn mower), otherwise covered would have no coverage if it had been used even once in the past to service a neighbor's premises ... A Dwelling Under Construction Endorsement This new optional endorsement will provide limited coverage for theft of personal property in a dwelling under construction. • &# 160HO 24 13 Incidental Low Power Recreational Motor Vehicle Liability Coverage Endorsement ISO has reduced the coverage in this endorsement by adding motor scooters to the list of excluded vehicle types. Mary LaPorte, president of LaPorte Consulting (Martin, MI), offers expertise in agency management, workflow, and Errors and Omissions analysis. You can reach her at (269) 672-7801; e-mail: [email ... . These clarifications avoid ambiguity. The policy enhancements outweigh the minor reductions in coverage, and provide agents with a stronger contract to address the customer's exposures more effectively Many of the changes do not affect coverage, but clarify policy wording. Those include the definition of "insured", the deductible provision and the "perils insured against" wording. In addition, some recent court decisions influenced changes in the areas of Collapse Coverage and Water Damage. These policy provisions have added wording to communicate the intent of the coverage more clearly and ...